Positioning no disclosures inside 60 days, left as found
Options no verdict drawn today, left as found
Ethical passes the values gate
Price85.46 USD
Fair value98.90
Our investment reviews on this name
2026-09-13Read Markdown87.76-2.6% to today ✓
2026-08-13Read Markup82.36+3.8% to today ✓
2026-07-02Read Distribution74.77+14.3% to today
Our analytic regime reads on this name, dated and marked against the screened price. Small sample per name, and separate from the daily-framework accuracy on the Track Record page.
Champion Homes, Inc. holds its Accumulation at $85.46. Consolidating, no directional conviction, held for 1 days.
As held on the ledger · 2026-09-23
Phase
Accumulation
Quantitative state
Consolidating, no directional conviction, held for 1 days
Price at the screen
$85.46
Valuation
24.99 trailing · 20.04 forward price to earnings
Values screen
PASS
Beta
1.01
The Workings
Five Screens, Shown in Full
Full pass across all five screens. This security clears the Titan Ethical Standard: its business and its balance sheet both stay inside the lines.
Test
Figure
Limit
What it means
Status
Business activity
Permissible
Core business clean
Its core business isn't built on prohibited lines: no gambling, alcohol, tobacco, weapons, or interest-based lending.
Pass
Debt load
3.03%
Below 33%
Interest-bearing debt is just 3.0% of its assets, well under the one-third ceiling: it does not run on borrowed money.
Pass
Interest-bearing cash
16.76%
Below 33%
Cash held in interest-bearing accounts and securities is 16.8% of assets, under the one-third limit.
Pass
Receivables
0.00%
Below 49%
Money owed to the company is 0.0% of assets, under the 49% limit.
Pass
Revenue purity
0.00%
Below 5%
Only 0.0% of revenue comes from non-compliant sources, under the 5% line.
Pass
Five checks adapted from AAOIFI screening standards: business activity plus four balance-sheet ratios. All five must pass for ethical clearance. Every figure is arithmetic on public accounts, not judgement.
The Ethical Read
Why It Clears, in Plain English
Champion Homes, clears all five screens. Its business is in a permissible area, its interest-bearing debt is about 3%, inside the ~33% line, and almost none of its income is interest, so it passes.
Read as at 2026-10-04. It updates when the underlying figures move, and past reads are kept below.
Fair value range in USD, drawn from the 2026-09-23 screen. The gold marker is the market price at the same screen. A 15.7% margin of safety to the base estimate.
Third-party analyst targets: 6 covering, consensus Buy. The average target sits +22% from the screen price.
Reading the gap · Both our model and the analysts see meaningful upside from here.
Price History & Projections
Where it has been, where the models see it going. History from market close data; projection points are our fair-value estimates and third-party analyst targets, dated to the 2026-09-23 screen.
Fair value and rating are our own model estimates; the Street's range reflects third-party analyst estimates. Analysis, not advice.
The Business, in Plain Words
Prefab homes look stretched in a slowing market
Picture a family eyeing a new manufactured home just as mortgage rates bite and demand cools. Champion Homes sits right in that spot, with revenue growing only 5% and a forward multiple of 20.6 times earnings that already prices in better days than the numbers suggest.
We pass because the shares sit 8% above our fair value estimate. The 8% profit margin and 14% return on equity look ordinary for a moderate moat business in a sector that moves with housing cycles. Analyst targets sit higher, yet the gap to our number is clear.
Housing demand can swing sharply, and even a clean ethical screen does not change the limited growth runway or the risk that peak-cycle earnings fade. Analysis, not advice.
The risks · The main risks here are ordinary market swings and the chance our fair-value read proves too optimistic.
Plain-English interpretation of our own screen data. Analysis, not advice.
Where & How to Trade
SKY trades on the NYSE. As a listed security it is accessible through almost any international broker offering its home market. New to this, or investing from abroad? Our guide to accessing global markets covers brokers, currencies and the practical steps.
The Dated Journal · Newest First, Never Edited
Every Entry, As Written
2026-10-02Markdown$85.46-2.6%Entry 6
The framework reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 2.6% since our last review. Ethical screening: PASS with ethical screening pending. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is momentum reading neutral. Over the past year the shares are up 13%. Our forward projection puts the odds of a 10% gain over the next month near 25%. The street (5 analysts) rates it none, with a mean price target of $95.
2026-09-13Markdown · changed$87.76+6.6%Entry 5
The framework has shifted from markup to markdown since the last review. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved up 6.6% since our last review. Ethical screening: PASS with ethical screening pending. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is momentum reading neutral. Over the past year the shares are up 13%. Our forward projection puts the odds of a 10% gain over the next month near 25%. The street (5 analysts) rates it none, with a mean price target of $95.
2026-08-13Markup · changed$82.36+10.2%Entry 4
The framework has shifted from distribution to markup since the last review. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved up 10.2% since our last review. Ethical screening: PASS with ethical screening pending. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is momentum reading neutral. Over the past year the shares are up 13%. Our forward projection puts the odds of a 10% gain over the next month near 25%. The street (5 analysts) rates it none, with a mean price target of $95.
2026-07-18Distribution$74.77+0.0%Entry 3
The framework reads distribution. Smart money appears to be selling into strength. Institutional holders may be rotating out. Price has moved down 0.0% since our last review. Ethical screening: PASS with ethical screening pending. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is momentum reading neutral. Over the past year the shares are up 13%. Our forward projection puts the odds of a 10% gain over the next month near 25%. The street (5 analysts) rates it none, with a mean price target of $95.
2026-07-03Distribution$74.77+0.0%Entry 2
The framework reads distribution. Smart money appears to be selling into strength. Institutional holders may be rotating out. Price has moved down 0.0% since our last review. Ethical screening: PASS with ethical screening pending. The risk-adjusted return profile shows modest positive risk-adjusted returns.
2026-07-02Distribution$74.77Entry 1
The framework reads distribution. Smart money appears to be selling into strength. Institutional holders may be rotating out. Ethical screening: PASS with ethical screening pending. The risk-adjusted return profile shows modest positive risk-adjusted returns.
Each entry above was written on its date, before the outcome. A journal you can prune is not a journal.
